Calculate returns on your one-time investment
Investing a lumpsum of ₹50,000 for 10 years at 12% annual return will grow to ₹0
Advantages of one-time investment strategy
Potential to generate significant wealth over the long term through the power of compounding.
Lumpsum investments benefit greatly from time, as the money stays invested for the entire duration.
Invest once and let your money work for you without the hassle of monthly payments.
Ideal for deploying annual bonuses, inheritance, or property sale proceeds towards long-term goals.
Your entire principal starts earning returns from Day 1, maximizing compounding benefits.
Most open-ended mutual funds offer high liquidity, allowing you to withdraw when needed (subject to exit loads).
A Lumpsum investment is a "one-time" investment where you deposit a significant amount of money into a mutual fund or investment scheme at once. Unlike SIP, where you invest small amounts periodically, lumpsum allows you to put a large sum to work immediately.
Capital deployed at once
Bonuses, Windfalls
Market lows are best
When markets are down, a lumpsum investment buys you more units at a lower NAV (Net Asset Value).
If you receive a bonus, inheritance, or sell an asset, lumpsum is the way to invest that capital.
If you have a long investment horizon (10+ years), immediate deployment can be better than staggering it.
For debt mutual funds or fixed income instruments, lumpsum is often preferred over SIP.
Common queries about Lumpsum Investment
SIP is generally better for volatile markets and for salaried individuals who can save monthly. Lumpsum is better when you have a large amount of money available and the market valuations are reasonable or low.